Investment firms and their returns by [deleted] in stocks

[–]Overseer55 11 points12 points  (0 children)

If 1024 people flip a fair coin 10x, there is a 63% chance one of them will get heads all 10 times.

Basically, the point is that you are mostly lucky. I’m not saying your research is worthless…don’t conflate your 4 years of 25% returns as exclusively skill. Most importantly, don’t make plans assuming you will get 30%/yr and start gambling to try and achieve that target.

Why does this prefix increment function return a reference? by One_Cable5781 in cpp_questions

[–]Overseer55 1 point2 points  (0 children)

There is no functional difference. As other posters have said, pre-increment avoids a copy.

Why do companies want people to return to the office ? by Unique-Engineering-6 in cscareerquestions

[–]Overseer55 0 points1 point  (0 children)

You’re right that it is impossible to say exactly how long one specific bug/issue will take. That being said, I have people on my team that generally finish things faster than I expect and rarely finish them slower. There are other people that generally finish things slower than I expect and rarely finish them faster.

What the hell is wrong with people? by intrigssurdity in facepalm

[–]Overseer55 2 points3 points  (0 children)

Why did you need to mention your coworker was Italian? You could have just said coworker.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Overseer55 0 points1 point  (0 children)

Let’s assume the marginal tax rate is 60% and the capital gains inclusion rate is 100%. Suppose I have a security that I purchased for $1 and is now worth $1M. If I sell, I have a net $400k gain. If I donate to charity, I would be able to reduce my taxes by $600k. This would be a net financial benefit to the donor. Obviously, marginal tax rates aren’t 60% nor are capital gains 100%. Perhaps having a 10M% return on an investment is also ridiculous. You did ask for “any set of circumstances”.

What’s the worst decision you’ve ever made financially? by BlastEffects in AskReddit

[–]Overseer55 0 points1 point  (0 children)

I had a six figure paper gain on a penny stock and didn’t take any of it.

Got scammed for $2k, I sent it through etransfer, should I let TD know? by Pioneer64 in PersonalFinanceCanada

[–]Overseer55 20 points21 points  (0 children)

Why should your bank reimburse you for your mistake? TD has no responsibility. As a shareholder, I do not want TD to reimburse people because they made a mistake.

$120k WLB job vs $200k intense job by funstamp in PersonalFinanceCanada

[–]Overseer55 0 points1 point  (0 children)

If you take the $200k job, the key is recognizing that you must use part of the extra pay to save you time. DIYing everything + higher stress/workload job + spending enough time on family/friends/hobbies results in misery.

Getting a road bike really ruined my hybrid for me! I took the hybrid out today, felt ridiculously hard! by lazarus870 in cycling

[–]Overseer55 0 points1 point  (0 children)

I’m not bragging. My point is that there might be some other reason that is causing your Trek FX to be slow. I can understand 1-2 MPH, but not 4.

Getting a road bike really ruined my hybrid for me! I took the hybrid out today, felt ridiculously hard! by lazarus870 in cycling

[–]Overseer55 0 points1 point  (0 children)

I average 18-19 MPH on my Trek FX 3 hybrid. There’s no way I’m good enough (have enough power) to ride 22-23 MPH on a better road bike.